Satey

FOR PUBLICATION

UNITED STATES COURT OF APPEALS

FOR THE NINTH CIRCUIT

SHANE SATEY, 

Plaintiff-Appellant, v. JPMORGAN CHASE & COMPANY, a No. 06-56370 corporation, d/b/a Chase Bank USA NA,  D.C. No.

CV-05-07758-R

Defendant-Appellee,

OPINION

and

EXPERIAN INFORMATION SOLUTIONS,

INC., a corporation, Defendant.  Appeal from the United States District Court for the Central District of California Manuel L. Real, District Judge, Presiding

Argued and Submitted February 14, 2008—Pasadena, California

Filed March 31, 2008

Before: Betty B. Fletcher and N. Randy Smith, Circuit Judges, and Samuel P. King,* Senior Judge.

Opinion by Judge N.R. Smith

*The Honorable Samuel P. King, Senior United States District Judge for the District of Hawaii, sitting by designation. COUNSEL

Robert F. Brennan, Esq., Brennan, Wiener & Associates, P.C., La Crescenta, California, for the plaintiff-appellant.

George G. Weickhardt, Ropers, Majeski, Kohn, Bentley, San Francisco, California, for the defendant-appellee.

OPINION

N.R. SMITH, Circuit Judge:

We hold that Appellant Shane Satey’s…